Abstract: Apparatus and methods for evaluating risk of nonpayment for mobile payments. Wireless phone numbers with associated customer history and account information may be used as a proxy to determine risk of nonpayment. Risk scores may be continually updated with new purchase and payment information. In some embodiments, authorization for a point of sale transaction may include evaluation of the mobile wireless risk score. A low wireless number risk score may result in authorization of the transaction. A high wireless number risk score may result in denial of the transaction.

Abstract: Systems, methods and consumer-readable media for using multi-scale customer and transaction clustering and visualization according to the invention have been provided. Systems and methods according to the invention may use program code to obtain customer transaction data and categorize obtained customer transaction data. The systems and methods may also analyze the categorized customer transaction data in order to identify patterns among the data. The systems and methods may also use the identified patterns to isolate a selected number of behavioral factors and group customers into population segments based on the behavioral factors.